SIREN : 438107971
PHASE is a French company founded 25 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in MONTIGNY-LES-METZ (57950), this company of category PME shows in 2022 a revenue of 481 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-05-02
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|
| Revenue | 480 754 € | 441 659 € | 380 465 € | 406 275 € | 350 597 € | 326 444 € |
| Net income | 144 234 € | 138 224 € | 105 561 € | 169 669 € | 111 281 € | 99 884 € |
| EBITDA | 192 300 € | 182 001 € | 132 381 € | 184 009 € | 142 859 € | 133 020 € |
| Net margin | 30.0% | 31.3% | 27.7% | 41.8% | 31.7% | 30.6% |
In 2022, PHASE achieves revenue of 481 k€. Over the period 2017-2022, the company shows strong growth with a CAGR (compound annual growth rate) of +8.0%. Vs 2021: +9%. After deducting consumption (0 €), gross margin stands at 481 k€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 192 k€, representing 40.0% of revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 144 k€, i.e. 30.0% of revenue. This profit can be retained or distributed to shareholders.
480 754 €
480 754 €
192 300 €
190 898 €
144 234 €
40.0%
The debt ratio (= Financial debt / Equity x 100) stands at 0%. This very low level reflects a solid financial structure, offering significant room for future investments or acquisitions. Financial autonomy (= Equity / Total assets x 100) reaches 0%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Cash flow represents 30.0% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
0.0%
0.0%
30.002%
0.0
In 2022, the debt ratio of PHASE (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.
In 2022, the financial autonomy of PHASE (0.0%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2022, the repayment capacity of PHASE (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.
The liquidity ratio (= Current assets / Current liabilities) stands at 1855.58. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
1855.581
0.0
In 2022, the liquidity ratio of PHASE (1855.58) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.
In 2022, the interest coverage of PHASE (0.0x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 1 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 1 days. Overall, WCR represents 2 days of revenue, i.e. 3 k€ to permanently finance. Over 2017-2022, WCR increased by +106%, requiring additional financing.
3 226 €
1 j
1 j
0 j
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Based on 193 transactions of similar company sales (all years), the value of PHASE is estimated at 316 155 € (range 97 042€ - 1 122 775€). With an EBITDA of 192 300€, the sector multiple of 1.2x is applied. The price/revenue ratio is 0.98x (in line with sector norms). This multiples method compares the actual sale price of similar companies to their financial indicators (Revenue, EBITDA, Net Income). It provides a market-based indicative estimate.
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This estimate is based on the analysis of 193 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare PHASE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of PHASE in 2022 is 481 k€.
Yes, PHASE generated a net profit of 144 k€ in 2022.
The headquarters of PHASE is located in MONTIGNY-LES-METZ (57950), in the department Moselle.
The tax return of PHASE is available on this page. Click on a year in the 'Data by year' section to view the account details (assets, liabilities, income statement). Data comes from INPI (National Institute of Industrial Property).
PHASE operates in the sector Activités des agents et courtiers d'assurances (NAF code 66.22Z). See the 'Sector positioning' section above to compare the company with its competitors.